Which of the Following Is True About Private Group Insurance

Which of the following is true about private group insurance?

A) Concern for employee security explains the prevalence of employer-sponsored insurance plans.
B) Disability insurance programs are mandatory in all high-risk occupations.
C) Medical insurance programs are mandatory in all organizations.
D) Individuals have more bargaining power when negotiating over prices.
E) Group insurance rates are typically higher than individual rates because of economies of scale.